You may be an abiding follower of rules when you are behind the wheel. The fear of driving is not driving itself but as to who is behind your vehicle. Mishaps occur because all are not strictly adhering to road rules.
The one rule you expect everyone to be following is to have insurance, it is against the law to drive without it so you expect that the cars on the road are all legal. The problem is that many people do drive with no insurance and they are the number one culprits for hit and runs.
If you are in the middle of a mishap, you would naturally take it for granted that the other person will remain at the site of the mishap until the police are summoned, you will prepare a statement, exchange information about insurance providers and the handle the damage caused after you leave the site. In case you are a party to a mishap with a person who neither has insurance nor is keen to encounter the police until they arrive, then you are in for bad luck. You may be in the middle of mishap and you can do nothing but wring your hands in despair when you see the offender bolt from the scene of mishap.
When you are in the middle of a mishap and you car has been hit, try to maintain equanimity and attempt to note down the vehicle number expecting it to vacate the scene. In case the other driver has been decent enough to park and wait, note down the number, to be on the safer side.
If you want to file a claim with your insurance company, you have to make sure that the police take down both of your insurance numbers. If the person that was in an accident with you does not have insurance, and you have underinsured or uninsured vehicle coverage, your insurance company will pick up the cost of the accident up to the top limit of your policy.
In an incidental accident like this, you will be responsible for the deductible. The accident is not your fault, but the insurance company requires that the deductable be paid out while the company takes up the rest of the cost. This is better than being stuck with the full bill, which could cost upwards of thousands of dollars. In a hit and run accident, the person sometimes is not caught because they drive away as fast as possible. The police will look for the criminal, and if they find them the insurance will be able to cover it. If they cannot find the person who caused the accident, then you will be forced to pay out of your pocket for the accident. This is why it is important that the person who caused it is found and taken to court for repayment. If you can take care of certain basic assumptions, then you will be able to get the most out of your insurance possible. This is the most important thing that you can do; do not pay too much for the accident.
